320 More Dr, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 320 More Dr, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 942 sqft · built 1990
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Sep 2019)
Tax Bill	$7,983 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084-163-12`

Property Details

APN / Parcel Number

Primary APN	`084-163-12`
Alternative APN	`084-163-12-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	942 sqft Living Area
Gross Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	320 MORE DR
City	BOULDER CREEK
State	CA
Zip	95006-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	TRACT 13 LOT 32
Legal Subdivision	RIVER RIGHTS TR #13
Legal Tract	13
Legal Lot Number	32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	1
Census Block	1020
Census Tract	120400

Owner

320 More Dr is owned and occupied by two individuals who bought it in September 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 MORE DR, BOULDER CREEK, CA 95006-9645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage FISHER FINANCIAL GROUP INC
Apr 17, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 13, 2019	Grant Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2019 · Amount on File
Deed Sale	Sep 13, 2019 · Amount on File
Prior Sale	Aug 26, 1994 · Amount on File
Deed Document Number	201927509
Prior Transfer Date	Jun 19, 1997
Prior Transfer Doc	0000036189
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 MORE DR, BOULDER CREEK, CA 95006-9645
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 MORE DR, BOULDER CREEK, CA 95006-9645

Mortgage

Document Number	0000010939
Date	Feb 22, 2021
Instrument	2021-0010939

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 MORE DR, BOULDER CREEK, CA 95006-9645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031659
Date	Sep 22, 2017
Instrument	2017-0031659

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	GILBERT, AZ 85234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 MORE DR, BOULDER CREEK, CA 95006-9645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009874
Date	Apr 17, 2019
Instrument	2019-0009874

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 6, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 13, 2019
Property Address	320 MORE DR, BOULDER CREEK, CA 95006-9645
Document Number	0000027509
Map Reference	VOL 26 PG 12
Instrument Date	Aug 28, 2019
Instrument	2019-0027509
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	320 MORE DR, BOULDER CREEK, CA 95006-9645

Mortgage

Document Number	0000027510
Date	Sep 13, 2019
Instrument	2019-0027510

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 320 More Dr was $7,983, up 4.5% from the year before.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	San Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$658,156 (+2%) Land $493,617 Building $164,539
2025	$7,983.00 (+4.52%)	$645,251 Land $483,938 Building $161,313
2024	$7,638.00 (-0.03%)
2023	$7,640.00 (+2.43%)	$620,196 Land $465,147 Building $155,049	$543,150
2022	$7,459.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 More Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	48 (1980–2023)
Claims Outside the SFHA	7 of 48
Most Recent Claim	Jun 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Winter Storms And Flooding, Mar 1998 · 19 claims Severe Storms & Flooding, Feb 1986 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 More Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN LORENZO VALLEY WATER DIST serves 21,513 people · EPA ID CA4410014
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Surfnet Communications, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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